Vanessa owned a life insurance policy on her own life and named her sister Loretta as the beneficiary. Vanessa and Loretta entered into an argument one day and in a fit of anger, Loretta pushed her sister. Vanessa fell over the balcony railing and died. Loretta claimed that it was an accident and she had not intended to kill her sister. When Loretta submitted documentation to claim the proceeds of Vanessa's life insurance policy as the beneficiary, the insurer denied her claim.